Focal Point Federal Credit Union
Headquarters
6555 Ridings Road
Syracuse, NY 13206
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2024 Overview
General Credit Union Information
Focal Point is an NCUA insured institution located in Syracuse, NY. It was founded in 1957 and has approximately $48.82 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 12093 |
| Date Established | 1957 |
| Assets | $48.82 million |
| Loans | $21.99 million |
| Deposits | $42.16 million |
| Capital | $6.88 million |
Deposit Rates - November 25, 2024
Your Current Location: Ohio, OH 43085
We do not yet have rates for Focal Point
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Loan Rates - November 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Focal Point
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.356% | 6.250% | 0.63 | $3,600 | $1,971 | Learn More |
NMLS ID: 2578474 |
6.368% | 6.250% | 0.88 | $4,010 | $1,971 | Learn More |
NMLS ID: 1025894 |
6.710% | 6.625% | 0.63 | $2,818 | $2,049 | Learn More |
NMLS ID: 3030 |
7.212% | 7.125% | 0.88 | $2,800 | $2,156 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.240 % After Intro: 7.240 % |
$0 |
Learn More
More Info |
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Branches
Below are Focal Point branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Focal Point Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|
Climate Policy and Initiatives
FOCAL POINT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Focal Point Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Focal Point. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Focal Point | U.S. Average |
|---|---|
| 6.26% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Focal Point had $446,135 in non-current loans and $0 in owned assets. To cover these potential losses it had $6,878,611 in net worth and $242,839 in loans loss reserves. That gives it a Texas Ratio of 6.26%.
Net Worth
| Focal Point | U.S. Average |
|---|---|
| 14.08% | 13.93% |
Focal Point FCU has a net worth of 14.08% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Focal Point
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